BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA
    Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.
    Or type your rank
    Enlisted
    E-1E-2E-3E-4E-5E-6E-7E-8E-9
    Warrant
    W-1W-2W-3W-4W-5
    Prior enl.
    O-1EO-2EO-3E
    Officer
    O-1O-2O-3O-4O-5O-6O-7
    Dependents
    WithWithout

    O-5 with dependents at Cincinnati draws $3,060 per month in 2026

    Permalinkbahratedesk.com/cincinnati-oh/o-5/with/ExcelCSVDownloads cover this station.
    Cincinnati, OH
    O-5 · with dependents
    $3,060/ month
    $36,720 / year
    At O-5, this is #165 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA OH228 · ZIPs 45001 45002 45003 45004 45011 45012 +94 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$3,923 / mo gross
    Other dependency status here$2,562 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Cincinnati — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,031$1,524
    E-2$2,031$1,524
    E-3$2,031$1,524
    E-4$2,031$1,524
    E-5$2,283$1,713
    E-6$2,526$1,893
    E-7$2,553$2,040
    E-8$2,583$2,337
    E-9$2,676$2,400
    Warrant officer
    W-1$2,544$1,953
    W-2$2,565$2,334
    W-3$2,607$2,412
    W-4$2,703$2,523
    W-5$2,829$2,559
    Officer — prior enlisted
    O-1E$2,556$2,280
    O-2E$2,595$2,385
    O-3E$2,724$2,517
    Officer
    O-1$2,322$1,776
    O-2$2,523$2,202
    O-3$2,604$2,433
    O-4$2,868$2,544
    O-5$3,060$2,562
    O-6$3,084$2,583
    O-7$3,105$2,625
    PCS compareCincinnati · O-5 · $3,060/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$570+$6,840/yr · like +$8,769 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Waco$3,093
    Jackson$3,084
    Dover AFB$3,081
    Carlisle Barracks$3,069
    Cincinnati$3,060
    New Orleans$3,060
    Panama City$3,060
    Charleston$3,039
    Eastern Panhandle$3,027
    Youngstown$1,827

    Cincinnati is #165 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 a year, untaxed.

    Every pay grade at Cincinnati0 – $3,105 / month
    E-1$2,031
    E-2$2,031
    E-3$2,031
    E-4$2,031
    E-5$2,283
    E-6$2,526
    E-7$2,553
    E-8$2,583
    E-9$2,676
    W-1$2,544
    W-2$2,565
    W-3$2,607
    W-4$2,703
    W-5$2,829
    O-1E$2,556
    O-2E$2,595
    O-3E$2,724
    O-1$2,322
    O-2$2,523
    O-3$2,604
    O-4$2,868
    O-5$3,060
    O-6$3,084
    O-7$3,105

    Promoting to O-6 here adds $24 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Cincinnati to Westchester County at O-5 is worth $5,004 a month — about 209 promotions worth of housing allowance, at $24 per grade here.

    02

    Dependency status is worth 19% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

    03

    None of it is taxed. $3,060 a month of BAH takes more than $3,060 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    Things the rate table doesn't tell you

    01

    “With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

    02

    O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

    03

    This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.